“You guys are absolutely the BEST. Thank you LendUp! I’m seeing the light at the end of the credit score tunnel.”

Felicia C, LendUp Customer

Testimonial reflects Felicia’s opinion and may not be representative of all individual experiences with LendUp.

Credit Cards

Meet Arrow Card

Created for credit-building

Designed for people trying to build credit history. Paying bills on time, keeping your balance low, and having a long credit history, among other things, can help your chances of improving your credit. We offer clear pricing, and there’s no security deposit required.

Made for your mobile life

In your home, bag, or back pocket, LendUp is always within reach. Access your account at any time, from whatever device you choose. Wherever you go, we're right by your side.

Trouble getting approved for a traditional credit card?

We’re building a secured card that’s backed by your own deposit. Find out more

“The best thing about LendUp is that they want to educate you, they want to make sure that you know what you’re doing and how you can take steps to better your future.”

Anthony M.

Testimonial reflects Anthony’s opinion and may not be representative of all individual experiences with LendUp. Customers received compensation in the form of points on the LendUp Ladder.

Online Loans

Loans designed to build you up, not bring you down

Get one step closer to a brighter financial future with a LendUp loan. When you need money fast, we provide a more secure, convenient alternative to traditional payday lenders who often leave you trapped in never-ending debt cycles.

Applying online takes only a few minutes and decisions are instant. Our clear terms and transparent pricing let you know just what you’re getting, and you don’t ever have to worry about hidden fees.

In eligible states, the LendUp Ladder offers you the chance to improve your credit history while getting the money you need. When you show you’re committed to your financial health, you can move up the Ladder and could gain access to more money as you go. We currently offer a few different ways for you to earn points, such as paying your loans on time, taking our education courses, and sharing testimonials about your LendUp experience. However, these may change over time as we continue to tailor the Ladder to suit your needs.

Savings Resources

Saving for a secure financial future

Saving money is never easy. Whether you’re paying down debt or simply trying to make ends meet, it seems like there’s never enough to go around. As part of our commitment to your financial health, we’re hard at work reimagining savings solutions that can help you take the next step toward a better financial future. Our goal is to help you develop a robust savings practice—one that empowers you to save with confidence.

In the meantime, we’re proud to offer these savings resources in collaboration with some of our partners in financial health.

Financial Education

Get smart about your money

When you make financial education a priority, you lay the groundwork for a successful financial future. Our free credit education courses offer practical lessons on topics like building savings, maintaining a budget, and beating credit card risk. In eligible states, you can earn points for each course you take.

Our Proof

There’s a reason why TechCrunch describes LendUp as a company “founded on a mission of financial empowerment.” We’ve now saved our customers more than $150 million in interest and fees and have helped Americans across the country on their path to better financial health.

LendUp is in the news! Articles, press releases, kudos, and more.

How we can help

More

California Residents: Flurish Inc. dba LendUp is licensed by the Department of Business Oversight, pursuant to the California Deferred Deposit Transaction Law, license #1004393, and the California Financing Law, license #6054610. LendUp loans made under the authority of its CFL license are made pursuant to the California Financing Law. LendUp credit cards are not offered under any license regulated by the California Department of Business Oversight.